Bank · FDIC insured
Magnolia State Bank
A $198.7M bank headquartered in Eastman, GA, with 5 branches in Georgia.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Magnolia State Bank
Based in Eastman, Georgia, Magnolia State Bank is a family-controlled bank that has been serving families and businesses for over a century.
- Headquarters
- 130 Oak St, Eastman, GA 31023
- FDIC certificate
- 877 ↗
Branches
5 branches in Georgia
Loading map…
Georgia
5 branches
Milledgeville area · 2
- 2451 North Columbia Street Branch2451 N Columbia St, Milledgeville, GA 31061Directions
- Magnolia State Branch100 E Greene St, Milledgeville, GA 31061Directions
Eastman area · 1
- Magnolia State BankMain office130 Oak St, Eastman, GA 31023Directions
Athens area · 1
- Athens Branch2500 Daniells Bridge Road, Athens, GA 30606Directions
Gray area · 1
- Gray Branch271 W Clinton St, Gray, GA 31032Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.21% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.98% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio15.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.21%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.98%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Magnolia State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.